# TBC Bank Group PLC (TBCG.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Banks. Price 5125p, market value 2.8 billionp.

## Valuation
- **P/E (trailing): 6.9×** (5-yr avg 133.8×, 3-yr avg 143.7×). TBC Bank Group PLC trades at 6.9× trailing earnings, well below its own five-year average of 133.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 1.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.21**. A PEG of 0.21 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 0.5×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 14.5%**. The inverse of the P/E: 14.5% of the price is earned each year.

## Profitability
- **Net margin: 24.0%**. 24.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 22.6%**. 22.6% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 3.4%**. Each dollar of assets produces 3.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 21.4%** (3-yr 22.0%/yr, 5-yr 48.7%/yr). Revenue grew 21.4% over the last year, against 48.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 9.0%** (3-yr 11.7%/yr, 5-yr 34.5%/yr). Earnings per share rose 9.0%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -42.9%/yr**. Free cash flow has compounded at -42.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.85%** (2p per share, trailing). TBC Bank Group PLC yields 3.85%, an income-level yield.
- **Payout ratio: 35%** (80% of free cash flow). 35% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.

## Price and momentum
- **Total return (1 yr): 19.1%** (YTD 26.0%, 3-mo 16.7%). The shares are up 19.1% over twelve months including dividends.
- **From 52-week high: -1.4%** (41.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 1.20** (volatility 33%). Beta of 1.20 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TBCG.L · Page: https://foliofundamentals.com/stocks/tbcg.l

Not investment advice.